{"schema_version":"secwatch.filing_event.v1","accession":"0001558370-25-009408","form_type":"8-K","ticker":"JUVF","cik":"0000714712","company_name":"JUNIATA VALLEY FINANCIAL CORP","filed_at":"2025-07-23T23:59:59+00:00","discovered_at":"2026-05-14T18:02:46.209927+00:00","generated_at":"2026-05-18T03:50:18.315458+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Juniata Valley Q2 net income $1.9M (+9.5% YoY); EPS $0.38 (+8.6%)","bullets":["Earnings of $0.38 per share vs $0.35 in Q2 2024; six-month EPS $0.78 (+25.8% vs $0.62).","Net interest margin (FTE) expanded 22bps to 2.95% in Q2; loan growth of 4.2% YTD.","Credit quality strong: nonperforming loans 0.1% of total loans; delinquent+NPL 0.3%.","Board declared $0.22 cash dividend paid Sept 1, 2025 to holders of record Aug 18.","Management cites disciplined loan/deposit pricing and healthy loan growth as drivers."],"urls":{"canonical":"https://secwatch.observer/filing/0001558370-25-009408","json":"https://secwatch.observer/filing/0001558370-25-009408.json","markdown":"https://secwatch.observer/filing/0001558370-25-009408.md","text":"https://secwatch.observer/filing/0001558370-25-009408.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/714712/000155837025009408/0001558370-25-009408-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/714712/000155837025009408/juvf-20250723x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-18T03:50:18.315458+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}